Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC 6E Rewards XL Indigo Credit Card

58
Ranked #16 of 170 in credit
creditMastercardMid-tier travel co-brand

Mid-tier HDFC x IndiGo co-branded card (step above the base 6E Rewards Indigo card) offering 5% on IndiGo bookings, 8 domestic lounge visits/year, and a Mastercard World golf program, aimed at frequent IndiGo flyers.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value51/100 · weight 71%
2.52% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks47/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
1,500 + 18% GST
= ₹1,770 total
Annual fee
1,500 + 18% GST
= ₹1,770 / year total
Waiver: No spend-based fee waiver reported
Forex markup
2.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
travelcashback5%
online_travel_bookingpoints5.00%(5 pts @ ₹1.00)5% on IndiGo flight bookings via IndiGo app/website
online_spendscashback3%
groceries_offlinepoints3.00%(3 pts @ ₹1.00)3% on dining, groceries, entertainment
diningcashback2.5%
all_spendspoints2.00%(2 pts @ ₹1.00)2% base 6E Rewards on all other spends (excludes wallet reload); redeemable only for IndiGo flights
fuelcashback1.5%
groceriescashback1.5%

Welcome offer

Complimentary IndiGo flight ticket worth Rs 3,000 on 3+ transactions in each of first 3 months + 1 complimentary 6E Prime Add-on (priority check-in, seat choice, complimentary meal, quicker baggage); welcome benefits valid 6 months from voucher issuance

Milestone benefits

Pros

  • Strong 5% 6E Rewards on IndiGo bookings, 3% on dining/groceries/entertainment, 8 domestic lounge visits/year, 12 free golf lessons + 4 rounds green fees/year via Mastercard World program, discounted IndiGo convenience fee (Rs 100-150/passenger)

Cons

  • FLAG — fee conflicts across sources (Rs 1,500 most common vs Rs 2,500 per BankBazaar) verify before quoting
  • rewards redeemable only for IndiGo (no flexibility)
  • no international lounge access
  • no rewards on wallet reloads

What's inside

More benefits

  • 6E Prime Add-on

    1,099

    Priority check-in, seat choice, complimentary meal, quicker baggage

    one-time. Welcome benefit

  • Golf program

    3,000

    12 golf lessons and 4 complimentary rounds of green fees per year (Mastercard World program)

    Cap ₹12,000 / yearly. Mastercard network only

  • Swiggy Dineout discount

    Up to 7.5% discount on bookings via Good Food Trail program

Insurance cover

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Eligibility

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Salaried: age 21-60, income Rs 1 lakh/month+; Self-employed: age 21-65 (implied similar income bar ~Rs 12 lakh/year)

Small print

Fuel surcharge:1% fuel surcharge waiver available (per BankBazaar) — but one source notes no 6E Rewards earned on fuel/rent transactions